act and what is coming down the pike. some changes, like allowing people up to age 26 to stay on their parents' insurance, those seem to be well received. but coming up on october 1 is when the moment for the exchange program, or what dhhs is now calling the marketplace will be up and running january 1. there's a tremendous change going into place. it will be interesting to see how that plays out. host: mike is the next caller, from michigan. caller: i am a first-time caller. i couple of comments, one, with all of the sequestered talk, in theory, if the government cuts any money, people will lose jobs, regardless of whether it is medicare, doctors, nurses, that is $500 billion that is not out there.